DJ & Musician Liability Insurance

Get insurance coverage in minutes. (Then get to the gig!)

Why do I need Musician Insurance?

Your performance is your business. Venues, festivals, and private clients often require proof of general liability insurance for musicians, bands, and DJs before you can take the stage. One mishap (like a guest tripping over a cable or a speaker scratching a hardwood floor) can lead to costly claims.

Thimble makes it easy to get flexible protection built for how you work:

Buy coverage by the hour, day, month, or year (perfect for one-off gigs or ongoing tours).
Certificate of Insurance (COI) you can download and share right away.
Add Additional Insureds (like venues), usually at no extra cost.
Secure same-day, on-demand policies for DJs, musicians, and bands.

Looking for DJ liability insurance for a single show? Choose your preferred duration when you get your quote and pay only for when you play.

We recommend core coverage for performers:

General liability insurance for musicians (helps cover claims of injury to others, property damage, and personal/advertising injury).

What is covered under the Musician Liability Insurance policy?

Thimble’s musician insurance can include general liability. Here are common scenarios:

Bodily Injury

A fan slips over the equipment you set up and gets hurt. General liability can help cover medical bills, while providing investigation and defense.

3rd Party Property Damage

You bump a drink into a client’s expensive furniture, or a speaker scuffs a stage. General liability can help pay for repairs or replacement.

Defense Costs

If you’re sued after a show, your policy provides investigation, legal defense, and settlements (up to your limit).

Medical Coverage

If a venue staff member is injured while helping move your gear, medical payments coverage can respond (up to policy limits).

Get a Quote

Add more protection based on how you work:

Business Equipment Protection (DJ equipment insurance / musical instrument insurance): Helps cover gear you own, rent, or borrow used for your business – on the go and on-site.
Cyber insurance: Helps protect against data breaches and cyber incidents (useful for mobile DJs taking bookings and payments).
Business Owners Policy (BOP): Bundle general liability and commercial property for studios or fixed locations.
Additional options in select states: Hired & Non-Owned Auto

Coverage availability depends on the state in which you are located and policy limitations and exclusions.

Get a quote

How much does Musician Insurance cost?

Pricing may vary by your location, the length of coverage (hour, day, month, year), limits, annual revenue, annual number of shows, and crew size. With Thimble, you pay when you’re working and save when you’re not. Plus, you have nothing to lose; instant, no-commitment quotes take seconds.

Typical insurance cost for DJs for an annual plan in monthly installments:

General Liability: around $21.88/month
Professional Liability: around $43.33/month
Customer Property Protection: around $17.50/month
Cyber Insurance: around $16.67/month
Business Equipment Protection: around $58.33/month

Actual rates and fees vary by state and risk profile. Get a quick, no-commitment quote to see your options.

Get a quote

How do I get Musician Insurance through Thimble?

Enter your ZIP code and profession (DJ, musician, band).
Choose coverage length (hour, day, month, year) and coverage limits.
Add any additional coverages you want.
Buy online to get coverage in minutes and a digital COI.

Get a quote

Musician Insurance FAQs

How quickly can I get a Certificate of Insurance?

In minutes. Get a quote, purchase, and access a digital COI within minutes. Ideal for last-minute gigs. Send unlimited COIs to venues or clients from the Thimble app at no extra cost.

Can I add Additional Insureds?

Yes, you can typically add Additional Insureds to your policy/COI usually at no additional cost.

What is DJ liability insurance?

DJ liability insurance is general liability insurance tailored to DJs and mobile DJs. It helps cover claims of injury to others, property damage, and personal/advertising injury that can happen at events.

Is one-day DJ insurance available?

Yes. Choose by the hour or day for single events. Great for “dj insurance for one day” needs at festivals, weddings, and private gigs. Monthly and annual options are also available (with installment payments if you don’t want to pay the entire premium upfront).

Does musician insurance cover my instruments and DJ equipment?

Your general liability covers claims for injury or damage to others. To protect your own gear (turntables, controllers, mixers, speakers, instruments), add Business Equipment Protection—our take on musical instrument insurance/DJ equipment insurance. If you keep gear in a fixed location (like a studio), consider a BOP with commercial property coverage. Availability varies by state.

The venue has business insurance. Do I still need my own policy?

Yes. Venue policies typically don’t protect you if you’re named in a claim. Most venues require your own general liability policy and COI, often with them listed as an Additional Insured

What policy limits are available?

Common options are $1,000,000 or $2,000,000 per occurrence. Many venues require at least $1M. The price difference between a policy with a limit of $1M versus $2M is often minimal.

Are workplace injuries of my staff covered?

No. General liability covers injuries to non-employee third parties (like venue staff or attendees). If you have employees, consider Workers’ Compensation (required in most states).

Do you cover mobile DJs and touring bands?

Yes. Get flexible mobile DJ insurance or band insurance for wherever you’re performing. For gear that travels, add equipment coverage so your protection follows you to each gig.

What’s the difference between musician liability insurance and musician event insurance?

Musician liability insurance protects you as a performer (ongoing). Musician special event liability insurance is always short term – up to 5 days with setup/takedown – and focuses on short-term needs for specific events or dates. With Thimble, you can do both. Get covered by the hour/day for a single event or monthly/annual for continuous work.